Become money wise today.
When you use a debit card, it’s like you are writing a check. You are taking money directly from your checking account to pay for a good or service. A debit card can be used anywhere Visa is accepted, which makes it easier to use across the US and in foreign countries. Some stores no longer accept checks.
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You can also use a debit card at an ATM (Automatic Teller Machine) to get cash from your checking or savings account.
If you make a lot of purchases, using a debit card is safer than carrying around a lot of cash. But, if you don’t use your card responsibly, you may spend more money. That’s why it’s important to keep track of your debit card purchases with your register or mobile app.
Get the Fast Facts:
Debit cards are connected with your Young Americans Bank checking account
Can be used at ATMs (ATM transaction fees apply)
$500 point of sale limit
$100 per day ATM withdrawal limit
Use mobile online banking functions and services like Card Hub
Ask your financial service representative for fraud protecting tips
Debit card fees
If you use your debit card at an ATM, you may be subject to fees. For more information, read through the ATM fees section above, or contact Young Americans Bank for help: 303-321-2265.
Debit cards vs. credit cards
Debit and credit cards look similar, but they are very different. When you use your debit card you are “paying now”–a debit card withdraws money directly from your checking account. A credit card allows you to “pay later”–you are essentially borrowing money that you will need to repay later.
Debit cards are complex products to use and understand. Before you get a debit card, you’ll a New Account Representative at Young Americans Bank will educate you on the following:
Lost or stolen cards?
If your credit card is lost or stolen, immediately call 1-866-643-1217. If you are traveling internationally, call 1-605-782-3544.
